Road-rashed gear and ACC?

[ckai]

Just recently went through this. Accident happened in November, claim made on day, got money from insurance last month. After talking to heaps of different people the person the finally sorted it out was the original person who took the claim. Funny that!

My leathers were about 3 months old and I had worn them maybe 4 times. Gloves were the same and could have sold everything for new. Helmet was older but got quote from the bike shop. The took off 10% for all the gear (bike shop told them it was in new condition) and helmet was just the replacement value. It didn't matter how old the helmet was - it's full replacement value. That was good to know.

The chick that sorted it was pretty good. They didn't have any figures for depreciation so she just said "does 10% sound alright?", not really but you're going to anyway so sweet. She told us cycling gloves get depreciated at 50% after 3 months! So they're saying they only last 6 months! Harsh.

Good to hear you're getting it sorted Caseye. Really keep on top of them though. Hopefully you'll get it pushed through quickly.

[geoffm]

I claimed on gear when my Beemr got nailed aroudn 18 months ago. They depreciated it, which pissed me iff since it was the other guys fault, so I was out of pocket through no fault of my own. I had a good run out of the helmet and it did the job I bought it for, but still....

[caseye]

Well I got quote from supplier, all gear no older than 6 months,AMI very good about that, will still be depreciating ALL items by 10%, on top of that they wanted the wrecked gear to stay at their office.Ia sked what would happen to it, they said, it'll be tendered amongst AMI. I asked to be informed when this was happening as i'd like tot ender, they didn't like that.
Toys for the boys seems like to me.
Still gear, bike and rider should all come together at about the same time, soon I hope.

[Owl]

Well I got quote from supplier, all gear no older than 6 months,AMI very good about that, will still be depreciating ALL items by 10%, on top of that they wanted the wrecked gear to stay at their office.Ia sked what would happen to it, they said, it'll be tendered amongst AMI. I asked to be informed when this was happening as i'd like tot ender, they didn't like that.

Glad it all worked out fairly well for you and they didn't send your stuff away to be repaired.

I think they may have sent my jacket to a cobbler, because the damage was just covered up with nugget. Of course they covered the white stitching with black nugget too. Hmmm, shiny black patches on a matt black jacket.

[Ocean1]

on top of that they wanted the wrecked gear to stay at their office.Ia sked what would happen to it, they said, it'll be tendered amongst AMI. I asked to be informed when this was happening as i'd like tot ender, they didn't like that.

I'm not surprised they didn't like that, clear conflict of interest I'd have thought.

Would have been muttering darkly about ombudsman and such me'self...

[p.dath]

Check your bike insurance policy - I have gear cover on mine. Failing that contents.

+1. Check your bike insurance. If you don't have any gear cover, get it added on for next time ...

[caseye]

I did Phil, thats why it's AMI but Swan will cover helmets ( long as the box is ticked and you pay another $45.00) but not the other unless it's on the Classic Bike Insurance,cheers for the thought though.

[caseye]

Once again folks, many thanks, wifeys bike is now safely ensconsced in the garage with it's bigger brother, been out for it's first shakedown cruise, we did over 160 K's and all is well with the world. Wifey still a bit twitchy on right handers but always was, so situation normal.
Gear has been valued at actual cost from the supplier less 9.55% , all is being paid out on, so no repairs or alterations to be made.
New gloves, expensive as gloves go, but value for money for sure, less 10% discount from Quasi Moto for KB members.And they truely are the Bees Knees! Cheers Q man. x 2. I had to have some too, aye?
New Bell Apex fibreglass and kevlar reinforced full face helmet, from Lifestyle Imports cheers Rick. Ah also x 2 no more full face, full flips for us, after seeing how that last helmet broke and caused the side to cave in on wifeys face I wasn't risking that again.
Jacket, Trou and boots to come when cheque arrives .
A great day to day has been so far, now to win Lotto and get some of our bloody money back.

[russd7]

hey there,slightly different but we got burgaled a few yr ago and my leathers got taken AA sent round assessor and i happened to show him a photo that had been taken by our camera that had been stolen and it just happened to be of me in my leathers, he had already told us that we would only get 50% for the leathers but on seeing the pic he said they were obviously in good condition and changed to 100% for the leathers. just a thought but may be worth keeping updated pics of rider in leathers around. by the way they really looked after us

[caseye]

hey there,slightly different but we got burgaled a few yr ago and my leathers got taken AA sent round assessor and i happened to show him a photo that had been taken by our camera that had been stolen and it just happened to be of me in my leathers, he had already told us that we would only get 50% for the leathers but on seeing the pic he said they were obviously in good condition and changed to 100% for the leathers. just a thought but may be worth keeping updated pics of rider in leathers around. by the way they really looked after us

Yep a few years ago, we would have been insured with AA too, as it is they changed ove to AMI( our current insurers), any way the depreciation is something that no one is told is going to happen but it does! The fact that we only got docked 9.55% is due entirely to the Fact that we had only purchased all of my wifes gear late last year and were able to get a complete valuation and statement of the gears newness and good condition from Lifestyle Imports where we bought it from.
Glad you had a win, we did too, sort off, we will have to pay some more towards getting her replacement gear, but that is due in no small part to the fact that we will; be buying BETTER Gear this time around, it's simply not worth skimping on what you wear, her gear saved her her life and many serious injuries and complications, I'm extremely grateful to Rick of Lifestyle Imports who sold us good equipment that fitted our budget at the time.
i've bought new and better gear from him thsi time around and will recomend him to anyone who wants good gear at reasonable prices.

[Ratti]

I'm pleased to read you have the company of your sweetheart on the road again. Onya Mrs!